# Fund the next operation

Add supported funding, confirm the account credit, and retain the exact deposit if the response is interrupted.

Canonical: https://docs.bankeiz.com/funding/
Reviewed: 2026-10-25; coordinated packages 129.0.0; ruleset 127.0.0.

## Choose the funding source

Open Deposit in the account. Dollars, original Notes, supported proof sources and physical intake have different admission paths. Selecting a source or uploading a picture does not itself create credit or ownership. Wire instructions must come from the actual configured account/operator; the current unavailable-instructions state must not be replaced with guessed banking details.

**What a deposit path establishes**

| Path | Required result |
| --- | --- |
| Card funding | The retained session’s confirmed Reserve credit to the intended account. |
| Original Note | Original verification, exact recipient binding and confirmed once-only account credit. |
| Physical intake | Initially a sealed intake request; actual accepted custody and rights remain separate. |

## Add dollars by card

1. **Choose Dollars** — Enter the amount in Deposit, choose Card and Continue. The current parser accepts $0.50 to $100,000.00 with at most two decimal places; actual provider availability and displayed terms still apply.
2. **Complete secure checkout** — Use the existing embedded provider flow. Keep the account and saved deposit reference.
3. **Confirm credit** — Let the retained session status resolve to the exact receiving account, amount, currency and returned Phi.
4. **Recover if needed** — Use Check saved deposit for the original session instead of starting another payment.

## Read deposit states

**Provider payment and account credit are distinct**

| State | Meaning | Next step |
| --- | --- | --- |
| Open | The retained checkout is available. | Complete or return to the same session. |
| Settling | Payment is processing; Reserve credit is pending. | Check the original deposit. |
| Credited | The accepted result matches the original deposit and account. | Use the supported credited source. |
| Expired or unpaid | The host reports the terminal status for that session. | Review the reported result before choosing another action. |
| Unknown creation/result | The outcome has not been established. | Retain the original reference and resolve it. |

## Fund a payment shortfall

When the existing Send path establishes insufficient funds before submission, it can open card funding for the shortfall and continue the same recipient, amount, note and nonce after confirmed credit. For example, a $10 payment with $3 available can prepare $7 of card funding. A shortfall below the current minimum charge shows the minimum and exact remainder that stays in the account. Card credit and recipient transfer are separate recoverable results.

## Close, return or lose connection

A checkout return URL or frame message is a signal to check the saved session, not credit authority. Back to send restores editing; it does not reverse an already paid charge. If credit succeeds but the transfer does not, the credited source remains in the account. An unknown transfer must resolve before another card payment can replace it. Preserve the account, original reference and pending state until the result is known.

- [Recover an interrupted operation](https://docs.bankeiz.com/recovery/)
- [Create or receive a Note](https://docs.bankeiz.com/notes/)

## Implementation sources

- [Deposit controls and available source paths](https://github.com/kojibai/reality-grade-banking/blob/6c5d582/src/features/deposit/LiveDeposit.tsx)
- [Amount, checkout and credit validation](https://github.com/kojibai/reality-grade-banking/blob/6c5d582/src/receiz/card-deposit.ts)
- [Card-funded payment continuation](https://github.com/kojibai/reality-grade-banking/blob/6c5d582/docs/card-funded-send.md)
- [Deposit return boundary](https://github.com/kojibai/reality-grade-banking/blob/6c5d582/src/features/deposit/CardDepositReturn.tsx)

## Related documentation

- [Reserve, Settlement and funding composition](https://docs.bankeiz.com/reserve-settlement/)
- [Approve a payment and retain its receipt](https://docs.bankeiz.com/payments/)
- [Create, address and receive original Notes](https://docs.bankeiz.com/notes/)
- [Recover the established operation](https://docs.bankeiz.com/recovery/)